Opportunity Information: Apply for FR 5200 N 18D
Apply for FR 5200 N 18D
- The Department of Housing and Urban Development in the housing sector is offering a public funding opportunity titled "Housing Counseling Program" and is now available to receive applicants.
- Interested and eligible applicants and submit their applications by referencing the CFDA number(s): 14.169 Housing Counseling Assistance Program.
- This funding opportunity was created on Jun 12, 2008 and posted on May 5, 2008.
- Applicants must submit their applications by Jul 9, 2008. (Agency may still review applications by suitable applicants for the remaining/unused allocated funding in 2026.)
- Each selected applicant is eligible to receive up to $2,580,000.00 in funding.
- Eligible applicants include: Others (see text field entitled Additional Information on Eligibility for clarification).
- Eligible applicants include HUD approved Local Housing Counseling Agencies (LHCAs) HUD approved national and regional intermediaries (Intermediaries) State Housing Finance Agencies (SHFAs) and HUD approved Multi State Organizations (MSOs).
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Opportunity Summary:
The Housing Counseling Program is a discretionary grant opportunity from the U.S. Department of Housing and Urban Development (HUD) designed to fund housing counseling services for people at different points on the housing spectrum, including first-time and repeat homebuyers, current homeowners, low- to moderate-income renters, and individuals or families experiencing homelessness. The core idea is to strengthen household stability by pairing clients with trained counselors who can help them make informed housing decisions, understand their rights and responsibilities, and navigate complex housing and mortgage markets. By investing in counseling capacity, HUD aims to reduce avoidable financial harm, prevent housing loss, and improve access to safe and affordable housing options.
The program centers on three major objectives: expanding sustainable homeownership opportunities, improving access to affordable housing, and preserving homeownership for those already in homes. In practice, this means counseling agencies provide education and one-on-one guidance that can cover budgeting and credit improvement, readiness for homeownership, selecting appropriate mortgage products, understanding loan terms, avoiding predatory or unsuitable lending, and preparing for the ongoing costs and responsibilities that come with owning a home. For renters, counseling can focus on finding and maintaining stable housing, understanding leases, meeting tenancy obligations, and connecting to resources that improve housing stability. For people facing homelessness or housing insecurity, counseling may involve rapid assessment, referral pathways, and help navigating housing systems or programs that can lead to stable placement.
A major emphasis in the description is foreclosure prevention and loss mitigation. Counselors are expected to help borrowers avoid risky and harmful conditions such as inflated appraisals, unreasonably high interest rates, unaffordable repayment terms, and other arrangements that can strip equity and push households into increasing debt and eventual default. In other words, the counseling function is positioned as a consumer-protection tool as well as a stability intervention. By helping clients understand what they are signing, what they can realistically afford, and what alternatives exist when problems arise, the program aims to reduce preventable foreclosures and the cascading financial consequences that follow.
This funding opportunity is identified as FR 5200 N 18D under the title "Housing Counseling Program" and is associated with CFDA number 14.169 (Housing Counseling Assistance Program). The funding instrument is a grant, and the opportunity does not require cost sharing or matching funds. The listed award ceiling is $2,580,000, indicating that individual awards could be substantial depending on the applicant type, proposed scope, and HUDs funding decisions. The opportunity was posted on May 5, 2008, with an original and current closing date of July 9, 2008, and it was archived on July 10, 2008, which means it reflects a specific historical competition cycle rather than an open, currently accepting solicitation.
Eligibility is limited to organizations that have a formal relationship with HUDs housing counseling framework. Eligible applicants include HUD-approved Local Housing Counseling Agencies (LHCAs), HUD-approved national and regional intermediaries, State Housing Finance Agencies (SHFAs), and HUD-approved Multi-State Organizations (MSOs). This eligibility structure is important because it signals that applicants are expected to meet HUD standards for counseling delivery, reporting, and oversight, and that funds are intended to support established counseling networks and infrastructure rather than informal or newly created entities without HUD approval.
Applicants and interested parties were directed to an application package download page for full instructions, including a technical correction published in the Federal Register (referenced as being posted in the instructions download). For assistance accessing the full announcement electronically, the listed program contact is Terri Ames at 202-402-3025.
Housing Counseling Program (HUD) - Frequently Asked Questions
What is the Housing Counseling Program grant?
The Housing Counseling Program is a discretionary grant opportunity from the U.S. Department of Housing and Urban Development (HUD) that funds housing counseling services. The goal is to strengthen household stability by connecting clients with trained counselors who help people make informed housing decisions, understand their rights and responsibilities, and navigate housing and mortgage markets.
What does HUD mean by "housing counseling" in this program?
In this opportunity, housing counseling refers to education and one-on-one guidance designed to help households make better housing choices and avoid preventable financial harm. Counseling can cover topics like budgeting, credit improvement, homeownership readiness, mortgage selection and loan terms, rental stability, and navigating housing systems for people facing homelessness or housing insecurity.
Who is this program intended to serve?
The program is designed to support counseling services for people across the housing spectrum, including first-time and repeat homebuyers, current homeowners, low- to moderate-income renters, and individuals or families experiencing homelessness.
What are the main objectives of the program?
The program description highlights three major objectives: (1) expanding sustainable homeownership opportunities, (2) improving access to affordable housing, and (3) preserving homeownership for households that are already in homes.
What types of services can be supported for homebuyers?
Homebuyer-focused counseling and education can include budgeting and credit improvement, determining readiness for homeownership, selecting appropriate mortgage products, understanding loan terms, avoiding predatory or unsuitable lending, and preparing for the ongoing costs and responsibilities of owning a home.
What types of services can be supported for current homeowners?
For current homeowners, the program emphasizes support that helps households remain stably housed and make informed decisions related to homeownership. A major focus in the description is foreclosure prevention and loss mitigation, including helping borrowers understand options when problems arise.
What types of services can be supported for renters?
For renters, counseling may focus on finding and maintaining stable housing, understanding leases, meeting tenancy obligations, and connecting renters to resources that improve housing stability.
How does the program address homelessness or housing insecurity?
For individuals or families experiencing homelessness or housing insecurity, counseling may involve rapid assessment, referral pathways, and support navigating housing systems or programs that can lead to stable placement.
Why does the grant emphasize foreclosure prevention and loss mitigation?
The opportunity description places major emphasis on foreclosure prevention and loss mitigation as a way to prevent housing loss and reduce cascading financial consequences. Counselors are expected to help borrowers avoid risky and harmful conditions and better understand alternatives when difficulties arise.
What kinds of risky lending or harmful conditions does counseling aim to help clients avoid?
The description specifically mentions avoiding inflated appraisals, unreasonably high interest rates, unaffordable repayment terms, and other arrangements that can strip equity and push households into increasing debt and eventual default.
Is this program only about education, or does it also function as consumer protection?
Based on the description, the counseling function is positioned both as a stability intervention and a consumer-protection tool. It aims to help clients understand what they are signing, what they can realistically afford, and what options exist if problems occur.
What is the opportunity title and identifier?
The opportunity is identified as FR 5200 N 18D under the title "Housing Counseling Program."
What CFDA number is associated with this opportunity?
The associated CFDA number is 14.169 (Housing Counseling Assistance Program).
What type of funding instrument is used?
The funding instrument is a grant.
Is cost sharing or matching required?
No. The opportunity states that it does not require cost sharing or matching funds.
What is the maximum award amount listed for this opportunity?
The listed award ceiling is $2,580,000. This indicates that an individual award could be substantial, depending on the applicant type, the proposed scope, and HUD's funding decisions.
When was this funding opportunity posted, and what were the closing dates?
The opportunity was posted on May 5, 2008. The original and current closing date listed is July 9, 2008.
Is this opportunity currently open?
No. The opportunity was archived on July 10, 2008, which means the information reflects a specific historical competition cycle rather than a currently accepting solicitation.
Who is eligible to apply?
Eligibility is limited to organizations that are part of HUD's housing counseling framework. Eligible applicants include HUD-approved Local Housing Counseling Agencies (LHCAs), HUD-approved national and regional intermediaries, State Housing Finance Agencies (SHFAs), and HUD-approved Multi-State Organizations (MSOs).
Do applicants need to be HUD-approved to apply?
Yes. The eligibility categories listed are HUD-approved entities (or SHFAs) within HUD's housing counseling structure, indicating that funds are intended to support established counseling networks and infrastructure rather than informal or newly created entities without HUD approval.
Where were applicants directed to find full application instructions?
Applicants and interested parties were directed to an application package download page for full instructions. The instructions also referenced a technical correction published in the Federal Register (noted as being posted in the instructions download).
Who is the program contact for help accessing the full announcement electronically?
The listed program contact is Terri Ames at 202-402-3025.
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